The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Can You Use a Cash-Out Refinance to Pay Off Delinquent Property Taxes?

By Scott Sheldon / August 21, 2025

Can You Use a Cash-Out Refinance to Pay Off Delinquent Property Taxes? If you’re behind on property taxes and looking for a way to catch up, you might be wondering: can you use a cash-out refinance to pay off those delinquent taxes? The short answer is yes—but only if you meet the specific requirements of…

How to Structure a Divorce Buyout as a Limited Cash-Out Refinance with Fannie Mae

By Scott Sheldon / December 4, 2024

Divorce is already an emotional and challenging process, and figuring out how to handle property settlements can add another layer of stress. If you’re looking for a way to buy out your ex-spouse’s share of your home, a limited cash-out refinance under Fannie Mae guidelines could be the ideal solution. This approach simplifies the settlement…